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p3rsian

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#1

Leasing Cars

11-21-2003, 11:01 PM

hey.,..
are any of you guys leasing a car ?
if so whats your down payment and monthly.
btw can you lease on like a 2002 model car ?

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MuleScrote

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#2

11-21-2003, 11:03 PM

Leasing is not very money smart

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#3

11-21-2003, 11:08 PM

fuck leasing. Just buy
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p3rsian

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#4

11-21-2003, 11:13 PM

not all of us make 100k a day

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#5

11-21-2003, 11:16 PM

Originally posted by p3rsian
hey.,..
are any of you guys leasing a car ?
if so whats your down payment and monthly.
btw can you lease on like a 2002 model car ?

For a small businessperson, leasing makes more sense than buying. You can write off more of your expenses. Plus, you only pay for what you use.

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#6

11-21-2003, 11:18 PM

Don't have to make 100k/day to buy a car lol.
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p3rsian

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#7

11-22-2003, 09:44 AM

boro en harfa chei
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#8

11-22-2003, 09:45 AM

Originally posted by Sosa
Don't have to make 100k/day to buy a car lol.

only 100k a month
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#9

11-22-2003, 09:46 AM

leasing makes more sense on new cars and is a good tax write-off if you have a business setup

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#10

11-22-2003, 09:48 AM

Originally posted by p3rsian
not all of us make 100k a day

Doesn't matter. Buying is still a better option, at least you're paying on something you're owning. Leasing isn't any cheaper, probably more expensive in most instances.

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#11

11-22-2003, 09:49 AM

Originally posted by GeneriMike
leasing makes more sense on new cars and is a good tax write-off if you have a business setup

I assume he works on the web. I haven't found a way to write off my car expenses yet. Not legally, and I really could use it .

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#12

11-22-2003, 10:00 AM

Originally posted by MuleScrote
Leasing is not very money smart

I guess that depends on your business setup and the country you're in. Here in Germany it makes perfect sense to have your company lease your cars. Even if it's an online biz it's no problem at all. The company pays everything... leasing fees, insurance, gas, maintenance, etc.

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#13

11-22-2003, 10:02 AM

I'll let you take over my lease.
'02 Porsche Boxster S for $805/month. Lease ends Dec 04.
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#14

11-22-2003, 10:08 AM

Originally posted by JasonB
I'll let you take over my lease.
'02 Porsche Boxster S for $805/month. Lease ends Dec 04.

as nice as porsche's are, boxsters should be canned. They are ruining the image of the car by making cheap versions of it.
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#15

11-22-2003, 10:10 AM

fuc leasin it man. buy the car. at least at the end you have equity in the automobile and can use it as a trade.

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Lexxx

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#16

11-22-2003, 10:12 AM

Leasing works for some, buying works for some.

Buying is useless and costly if you want to drive a new car every 2 or 3 years. If you buy then trade-in after 2 years, you lose money.

Leasing leaves you with nothing at the end but you actually wouldn't have spent that much anyway and you got to drive brand new car.

One thing - insurance. Leased cars require "absolute" coverage (max. payouts in property damage, etc.) so generally insurance payments will be higher with a leased car.

Yes you can lease a car that is up to 4 years old. Perfect for cars that lose a LOT of value in the first 2/3 years.

Remmber, your lease payment is basically "your car's depreciation" payment. So Japanese cars (or cars that hold value) are usually cheaper to lease.

The above is not to be argued with, you hos.

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Lexxx

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#17

11-22-2003, 10:13 AM

Oh yeah, and buying a car is NOT an investment. So buy or lease you still lose money. Equity my ass.

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#18

11-22-2003, 10:14 AM

Originally posted by JasonB
I'll let you take over my lease.
'02 Porsche Boxster S for $805/month. Lease ends Dec 04.

my 911 used to cost $800/mth...

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#19

11-22-2003, 10:14 AM

Originally posted by xato

my '01 911 cost $800/mth...

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#20

11-22-2003, 12:47 PM

if you lease you will pay more in a long run...

just think about it, even if you lease new cars every 2 years at the end you own nothing, so basically you just give money to someone therefore you will always be stuck with $500-1000/monthly payment
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#21

11-22-2003, 12:56 PM

Originally posted by qwe
if you lease you will pay more in a long run...

just think about it, even if you lease new cars every 2 years at the end you own nothing, so basically you just give money to someone therefore you will always be stuck with $500-1000/monthly payment

But if you buy a new car then trade it in after two years you will lose money also since the value that you'll get is even less than [new car value] - [lease payments].

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#22

11-22-2003, 12:58 PM

Originally posted by qwe
if you lease you will pay more in a long run...

just think about it, even if you lease new cars every 2 years at the end you own nothing, so basically you just give money to someone therefore you will always be stuck with $500-1000/monthly payment

Yeah but you get to drive a barand new car avery 3-4 years instead of driving the same piece of shit for 10 years

Actually it also depends on mileage, i'm someone who drives alot so leasing would cost me a fortune in extra mileage, if i could i would lease however

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#23

11-22-2003, 01:13 PM

Buy a nice car that is one year old, its lost the "off the lot" deprciation yet still retains its new status and you can resell it in 2 years for good value, the same value that the 3 year lease trade-ins are going to sell for.

This also depends on what type of car you are looking at. Jags loose 60% of their value in the first 3-4 years, where-as a Lexus loses very little.

Also, it depends on if the car you are looking at has a replacement body style due within the next few years, such as the BMW 5 series are taking a huge hit because the new style is just retailing. 2002 5 series are selling at huge discount in the wholesale market due to this.

Leasing is great if you need to eat up profits from your company because in essence you save the tax payment that you would have made. Leasing personally also builds great credit if you need that sort of thing for a future mortgage request.

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#24

11-22-2003, 01:28 PM

I hope alot of you do not run programs <fingers crossed>.

Leasing a car can be a great deal if handled properly business wise, so can computers yet thats another topic.

It is not always about having some tangible item to show for the money spent at the end of the day. Often a personal lease is silly or just plain stupid, yet a business lease often makes complete sense.

Cars and computers both are an items that generally loose at least 30% of its value the second it leaves the showroom. Then the depreciate from there at a steady rate. Then very and I mean very few will ever be an investment of any kind, no matter how sweet the car is today.

Now aside from having a very fixed monthly cost that ends at a not to distant set date, which allows for much easier budgeting. Exspecially over outright purchases. Leasing also gives a company the ability to have new items every few years which can be an exceptionally smart move specially when computers are concerned.

As for the odd topic of just paying money on something you will not own is kind of silly. A car is something you get usage out of on a day to day basis. A 600.00 lease would just mean it costs your company 20.00 a day (plus a bit) to operate said vehicle, where a simuliar vehicle often will cost just a little less day to day yet the payments often will extend well beyond the desired life of that vehicle. The day to day usage though is really just the tip of the iceberg so to speak. If your company happens to provide company cars which it leases. Your company picks up the lease cost and many of the extras which in turn translate into a valid operating expense which further lowers the real cost of day to day operation of that vehicle.

Now go ask your accountant.

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#25

11-22-2003, 01:43 PM

The decision to lease or buy is not based on what you can afford. If you have to lease to get "this" car then you are over budget. Find something you can afford to buy and then let the decision be made by which plan has the most incentives. Buying is pretty favorable right now but they might be whacking $$ off to sell leases.
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#26

11-22-2003, 01:46 PM

Originally posted by freeadultcontent
Now go ask your accountant.

Solid advice

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#27

11-22-2003, 01:46 PM

Probably has an apartment too

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#28

11-22-2003, 01:51 PM

Originally posted by Adult Site Traffic

Doesn't matter. Buying is still a better option, at least you're paying on something you're owning. Leasing isn't any cheaper, probably more expensive in most instances.

But the tax writeoff offers a great benefit for those leasing cars. Owned cars just keep on depreciating. With leasing, you don't have to worry about depreciation and you can write off the amount you're paying on your lease, your maintenance costs, your gas, etc...even carwashes.

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#29

11-22-2003, 03:43 PM

OH yeah... go to www.peoplefirst.com and call me monday morning so I can sell you something.

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#30

12-18-2003, 10:33 AM

wasn't talking about buying brand new cars which is stupid unless you got millions...

let's say you buy 2-3 year old bmw at $35,000 (cad) in 2 years you can sell it for $30,000 easy... if you lease for two years @ $650/month it will cost $15600, so either you loose 5g's or 15g's ....

you can write off payments yes, but you can also write off a whole car....
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#31

12-18-2003, 10:35 AM

Originally posted by freeadultcontent
I hope alot of you do not run programs <fingers crossed>.

Leasing a car can be a great deal if handled properly business wise, so can computers yet thats another topic.

It is not always about having some tangible item to show for the money spent at the end of the day. Often a personal lease is silly or just plain stupid, yet a business lease often makes complete sense.

Cars and computers both are an items that generally loose at least 30% of its value the second it leaves the showroom. Then the depreciate from there at a steady rate. Then very and I mean very few will ever be an investment of any kind, no matter how sweet the car is today.

Now aside from having a very fixed monthly cost that ends at a not to distant set date, which allows for much easier budgeting. Exspecially over outright purchases. Leasing also gives a company the ability to have new items every few years which can be an exceptionally smart move specially when computers are concerned.

As for the odd topic of just paying money on something you will not own is kind of silly. A car is something you get usage out of on a day to day basis. A 600.00 lease would just mean it costs your company 20.00 a day (plus a bit) to operate said vehicle, where a simuliar vehicle often will cost just a little less day to day yet the payments often will extend well beyond the desired life of that vehicle. The day to day usage though is really just the tip of the iceberg so to speak. If your company happens to provide company cars which it leases. Your company picks up the lease cost and many of the extras which in turn translate into a valid operating expense which further lowers the real cost of day to day operation of that vehicle.

Now go ask your accountant.

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#32

12-18-2003, 11:43 PM

Lease if you have biz deductions.

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#33

12-19-2003, 04:54 AM

since most of the people on this board own their own business, i'd say choose a lease.
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#34

12-19-2003, 04:58 AM

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#35

12-19-2003, 05:35 AM

Leasing a car is just like renting a house. Instead of making payments for something you own, your just giving up your money. For two years in Phoenix I rented a apartment for $900 a month , all of which went down the drain. Now I own my own house for the past year and I'll get all of my money out it when I sell. My house is already worth much more than I paid for it.

Cars are kind of the same, but you still tend to loose money with a car. Someone above mentioned that should buy a car that's a few years old. It's still new, but you'll loose much less money. I did this last year when I bought a Mustang GT with 9k miles on it. I put another 10k miles on it, and when I traded it in I made a few grand.

Buy yourself a car that won't loose value. I'm told Jeeps retain their value rather well. My current car, a Mustang Mach 1, was 1 of 9k built. If I sell out now I've lost money, but if I hold onto it ten years I'll do well.

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#36

12-22-2003, 04:32 AM

Leasing is definitely the way to go if you're a business owner, which I assume most people on this board are. As a business owner, you can write off more expenses than if you were an employee.

Didn't you know that if you LEASED your car, all tune ups, car washes, car accessories, car service, GAS, anything and everything can be written off?

Coupled with low lease specials, tax advantages make all the difference in the world.

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#37

12-22-2003, 08:19 AM

The above is not my car, just a car the bmw dealership gave me untill my car gets out of the shop....
-I personally dont like wagons ;\

I wouldent advise on a long term contract, See if you have the option to pay out the remaining balance in your own time....hence you have time to see how your budget is going....

ex: Your contract is for 3 years but you want to pay it off in 6 months....

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#38

12-22-2003, 08:24 AM

Leasing is like giving a company a LOT of money to "borrow" their car. It isn't even your car. You're just renting it for 3 years.

Do not lease. It leaves a sore chaffed anal canal.
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